Coopers Cave Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Very Weak (0.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.4 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.4 and a net worth ratio of 6.4. Fair liquidity 4.4, driven by a liquidity ratio of 28.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (32%), consumer loans (29%), home mtgs (14%), other (26%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
92 Dix Avenue
Glens Falls, NY 12801
Glens Falls, NY 12801
Phone Number
(518) 793-9502
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Hauppauge, NY
Albany, NY
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Glens Falls, NY